Recent content by Polarsmasher20

I've learned that it can feel deeply disappointing when someone you trust offers a loan but attaches interest to it. It makes me question the nature of that connection, because in my heart, I believe a true friendship is built on mutual support, not financial gain. The idea that someone close...

Yes but the income is also taxable

To be honest, I’ve had moments where my income was lower than my husband’s, and we turneed to a credit union. It wasn’t an issue at all they offered a better interest rate because my credit score was higher than the cosigner’s. Now, I’m not entirely sure how it works when one person doesn’t have...

Higher income doesn't mean lower or no debt... Lifestyle creep is real for MANY people!

I've found moolahplan to be a lifesaver when it comes to organizing my debts. It uses the debt snowball method, which makes the process feel more manageable, and the budgeting feature is such a helpful bonus! It's honestly made paying off my debts feel less overwhelming.

I’ve found that giving a portion of what I have, even when it’s har d, opens doors for more blessings. If you’re able, consider giving 10% to your parents to help with things like food, hydro, or taxes. If they’re hesitant to accept, maybe you could give it to a church or another cause that...

Hi everyone, I'm new here but I've been following for a while. My husband and I make about $125k a year, which feels like a lot, but somehow we're still struggling to make real progress on our debt. We've been trying to follow Dave Ramsey's baby steps, but honestly, it's been half-hearted, and...